Transaction volume growth rates across Merchant Solutions segment, particularly in high-margin integrated software verticals
Spread compression or expansion - difference between interchange costs and merchant discount rates charged
Cross-border and e-commerce volume mix, which carries 40-60 basis points higher margins than domestic card-present
Technology-enabled revenue (software, analytics, value-added services) penetration driving margin expansion
high - Transaction volumes correlate directly with consumer spending (70% of U.S. GDP) and business investment. Retail sales drive card-present volumes, while e-commerce growth accelerates digital payment adoption. During recessions, transaction counts and average ticket sizes compress simultaneously, creating revenue headwinds. However, secular shift from cash to electronic payments (currently 65% of U.S. transactions) provides structural tailwind offsetting cyclical weakness.
Moderate negative sensitivity through two channels: (1) Higher rates increase debt servicing costs on $10.8B gross debt (0.67x D/E), compressing net margins by 50-100 bps per 100 bps rate increase; (2) Rising rates reduce consumer discretionary spending and business investment, lowering transaction volumes. However, GPN benefits from higher yields on merchant float balances held temporarily during settlement. The 6.7x EV/EBITDA valuation multiple compresses as risk-free rates rise, making growth stocks less attractive.
Disintermediation by card networks (Visa, Mastercard) moving direct-to-merchant or by Big Tech (Apple, Google) controlling payment rails and customer relationships
Regulatory pressure on interchange rates, particularly in Europe (EU Interchange Fee Regulation caps rates at 0.3% debit, 0.2% credit) and potential U.S. legislation (Durbin Amendment expansion)
Real-time payment networks (FedNow, RTP) bypassing traditional card rails and reducing transaction fees by 60-80%
value - The stock trades at 1.8x sales and 6.7x EV/EBITDA, well below historical 10-12x multiples, attracting value investors betting on multiple re-rating as integration synergies materialize and organic growth re-accelerates. The 17.6% FCF yield and strong cash generation ($2.9B FCF) appeal to investors focused on cash returns. However, -34.2% one-year return reflects growth concerns and competitive pressures.
Trend
-1.8% vs SMA 50 · -11.8% vs SMA 200
Momentum
Accumulation pattern present — more buying days than selling over the past 20 sessions. Volume conditions support gradual price improvement.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2025 | $9.3B $9.3B–$9.3B | — | $12.20 | — | ±1% | High23 |
FY2026(current) | $12.4B $12.3B–$12.6B | ▲ +34.0% | $13.86 | ▲ +13.7% | ±1% | High19 |
FY2027 | $13.2B $12.9B–$14.4B | ▲ +5.9% | $16.14 | ▲ +16.4% | ±5% | High19 |
Dividend per payment — last 8 periods
New York, New York--(Newsfile Corp. - May 12, 2026) - WHY: Rosen Law Firm, a global investor rights…
global payments inc. (nyse: gpn) is a leading worldwide provider of payment technology services that delivers innovative solutions driven by customer needs globally. our partnerships, technologies and employee expertise enable us to provide a broad range of products and services that allow our customers to accept all payment types across a variety of distribution channels in many markets around the world. headquartered in atlanta, georgia with more than 4,300 employees worldwide, global payments is a fortune 1000 company with merchants and partners in 29 countries throughout north america, europe, the asia-pacific region and brazil. for more information about global payments, our service. driven. commerce brand and our technologies, please visit www.globalpaymentsinc.com.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
GPN◀ | $68.66 | -0.61% | $16.3B | — | -2374.9% | 1816.9% | 1482 |
| $912.14 | +0.20% | $426.9B | 45.6 | +429.0% | 1312.8% | 1524 | |
| $297.45 | +1.22% | $314.3B | 36.0 | +1848.2% | 1898.2% | 1492 | |
| $178.89 | +1.43% | $240.5B | 33.2 | +974.1% | 759.8% | 1488 | |
| $236.87 | +2.74% | $187.8B | 86.0 | +3449.4% | 249.7% | 1509 | |
| $401.53 | +4.36% | $162.7B | 40.8 | +1033.0% | 1489.7% | 1501 | |
| $589.19 | +2.42% | $159.0B | 33.1 | -1158.6% | 1125.5% | 1506 | |
| Sector avg | — | +1.68% | — | 45.8 | +600.0% | 1236.1% | 1500 |